Planning for retirement requires taking a realistic look at future sources of income. For example, how much Social Security will you receive each month in retirement? Do you have a pension? What about a 401(k) or IRA?

One often-overlooked way to create guaranteed income in retirement is with an annuity. We can help you with common concerns about annuities like:

“Annuities are too complicated to understand.”

“I’m already saving for retirement. I don’t need an annuity.”

“An annuity will lock up my money so I can’t access it.”

“Annuities are expensive. Where does my money go?”

“I might die before my contract is up.”

For answers to common annuity questions like these, contact our office and we can help guide you in making great decisions as you plan for retirement. 

Annuity guarantees rely on financial strength and claims-paying ability of issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are not FDIC insured.



Investing involves risk including the potential loss of principal. Consider your risks and objectives before investing. This is for informational purposes only and should not be construed as tax advice. Consult your tax advisor regarding your specific situation.

Securities and advisory services offered through Madison Avenue Securities, LLC, a Registered Investment Advisor, member FINRA and SIPC. Advisory services also offered through Wealth Management Institute, Inc., a Registered Investment Advisor. Wealth Management Institute and Madison Avenue Securities, LLC are not affiliated entities. Frank Cherniawski is securities registered in: AZ, CA, CT, FL, GA, IN, MI, MO, NC, OH, WA and Advisory Licensed in CA and MI with Madison Avenue Securities, LLC. Please inquire with the advisor about your state prior to further discussion or any decisions.